What you can get
State support that may help a lender finance your business.
Who it's for
California small businesses with 1–500 employees that need money for an approved business purpose.
What you need to know
- Your business must meet the small-business size rules.
- The funded business activity must be in California.
- The lender checks the application and decides the loan terms.
- Borrower and lender contributions may be required; ask about costs and other loan-support restrictions.
More details and sources
Full program information
Official program name: CalCAP for Small Business
Benefits and limits
A loan-loss reserve can support a participating lender’s small-business loan or credit line.
Full requirements
The business must have 1–500 employees, meet SBA small-business size rules and use funds for eligible California activity. Uses include equipment, inventory, startup costs and business-occupied nonresidential property. The lender underwrites and disburses the loan, then requests program enrollment.
Read the program's requirements Checked Oct 30, 2026
Summary of key conditions. Confirm the full current checklist with the provider before applying.
Other conditions
The borrower and lender make required reserve contributions. Each loan can enroll in only one similar state or federal support program; separate loans for separate purposes may differ. This is lender risk support, not a direct grant.
Availability and area
Confirm current provider and lender terms
The official provider describes this program. Confirm participating lenders, available support, fees and current terms before relying on financing; approval is not guaranteed.
Read the status update Checked Oct 30, 2026
The provider describes a California or nationwide program whose geographic scope includes Desert Hot Springs. Business, ownership, project and underwriting requirements still apply.
Areas listed in the source
Desert Hot Springs
Where this information comes from
California Capital Programs & Climate Financing Authority (CPCFA) official program information
Information collected Oct 30, 2026.
Reviewed against primary provider sources on October 30, 2026. Financing is repayable; a lender guarantee or reserve supports the lender rather than creating a cash grant to the borrower.
DHSed is an independent guide. The program makes the final decision about help, amounts and rules.